Used responsibly, the best credit cards for college students are tools to accomplish two crucial financial tasks: They help teach money management, and they help students establish the credit they’ll soon need to rent an apartment, buy a car, or even get a normal rewards credit card.
Credit cards in the hands of college students get a bad rap sometimes. It’s certainly easy for a cash-strapped student to get a little too swipe-happy, but whether we like it or not, a building credit history is an important fact of life, and the only way for young students to start building credit history early is with a credit card.
In 2015, the list hasn’t changed much as far as what we think are the best choices.
Our top pick for students is still:
Discover it® for Students
Because it has 5% cash back in rotating categories and gives your FICO score each month.
The changes we did make this year were to drop coverage of Citi® Dividend Platinum Select® Visa® Card for College Students and its Citi Forward® Card for College Students, as these cards were discontinued by Citi®. Both have been replaced with the Citi ThankYou® Preferred Card for College Students, which wasn’t enough of an upgrade to knock out our top contenders.
We’ll make a case for our top recommendations, provide a primer on credit card terminology, and discuss the proper use of student credit cards, including how you can avoid major mistakes such as overspending or late payments.
The Simple Dollar’s Top Picks
The Discover it® for Students is a card that stands out from the rest of the pack. This is the best student credit card to teach financial responsibility.
Best Student Credit Card for Financial Responsibility
Earn 5% Cash Back
The Discover it® for Students lets you earn 5% cash back on categories that change throughout the year, a perk unmatched by any other student credit card we saw.
Discover offers one of the best cash back credit cards on the market and this student card is virtually no different. In 2015, the 5% cash back categories for the Discover it® for Students card are: Gas and Ground Transportation (January – March), Food and Fun (April – June), Summer Spruce Up and More (July – September), and Holiday Shopping and More (October – December).
7 Reasons to Get Discover it®
One of the major benefits of using a student credit card is understanding your own credit. Of all the best credit cards for students, no card is better than this one. Every cardholder receives a free FICO® Credit Score on every monthly statement to keep an eye on their score. You can read more about understanding your FICO score here.
Also, with the Discover it® for Students card, you can log in to your online account to find charts illustrating the types of items you purchased and how much you spend on average. It’s a nice feature to help you visualize what’s going on in your account.
Great Customer Service
Discover offers 24/7 U.S.-based customer service so you can get personalized help at any time. Many past and present cardholders have commented on how great Discover’s customer service and support is. It’s an important aspect of a student credit card, particularly because young adults may need more assistance understanding their credit cards.
Compared to some of the other best student credit cards, the Discover it® for Students is by far the most forgiving. First, paying late won’t raise your APR. The only other top student card that has that claim is the U.S. Bank College Visa® Card. Second, you won’t be charged a late fee on your first late payment, which is unique to the Discover it® for Students card.
Additionally, the introductory APR for purchases is 0% for six months, so students have ample time to “practice” responsible card use, making sure they pay off the full balance on time without paying interest. Students should get in the habit of never carrying a balance, but mistakes happen. Six months of 0% interest in addition to the card’s forgiving terms should allow plenty of time to adjust to owning a credit card.
No Additional Fees or Liability
The card is also great for students who plan to travel abroad. There are no foreign transaction fees, which often run 3% of each transaction or more. There’s also no overlimit fee, meaning you won’t be charged if you go beyond your credit limit by mistake.
Discover also offers $0 fraud liability, so you won’t be responsible for any fraudulent transactions made on the account. There’s no need to worry if the card is stolen or lost (this happens sometimes to college students).
Most student credit cards don’t have an annual fee, but it’s worth pointing out that the Discover it® for Students doesn’t have one, either.
College students haven’t had the time to build a robust credit score, so they need a way to secure a credit card. Discover accepts credit scores in the 600 range if you provide proof of income; otherwise, a parent can co-sign. According to Credit Karma, as of January 2015, the average credit score approved for the card was 638 and the lowest credit score approved for the card was 552, indicating it’s not too difficult to get accepted.
Based on the customer reviews on Discover.com, students who use this card are thrilled with it. Again, many cardholders rave about the excellent customer service. Others describe how much they’ve learned. One cardholder noted, “This was my first credit card, and it has taught me so much. They start you out with a reasonable limit and the benefits are awesome.”
Another Discover Option
Earn 2% Cash Back
You earn 2% cash back automatically at restaurants and gas stations every quarter on up to $1,000 in purchases. This is a good option for students who spend the majority of their cash eating out or filling up their gas tank. More and more students are attending “commuter” schools or technical colleges and living off campus. If you know your main spend is in these categories, it’s nice to know you’re getting double the rewards without having to look at rotating categories.
Pay Fewer Fees
Discover it® chrome for Students has no annual fee, no late fee on your first late payment, no overlimit fee, and no foreign transaction fee*. This would be a great option if you plan on studying abroad or travelling.
The Discover it® chrome for Students card also offers an 0% introductory APR on purchases for 6 months, and your APR won’t go up if you pay late. Even though you should establish a track record of paying on time, error forgiveness is helpful when mistakes happen. Plus, having the six months interest-free will allow you to adjust to owning a credit card.
Discover it® chrome Advantages
Like the Discover it® for Students card, this card provides a free FICO® Credit Score online and on every monthly statement so you can track your score’s progress and better understand your own credit. You can read more about understanding your FICO score here.
The Discover it® chrome for Students card also has free text alerts that can remind you when your payment is due and a free mobile app that helps you stay on top of your account anywhere, any time. In addition, Discover offers 24/7 U.S.-based customer service so you can get help whenever you need it. This is a great feature for students, especially if they are new credit card holders and require additional help.
It’s also easy to get approved for this card as long as you provide proof of income or a parent co-signs.
Discover it® for Students vs. Discover it® chrome for Students
The only real difference between the Discover it® for Students and the Discover it® chrome for Students is that the Discover it® for Students gives 5% cash back on rotating categories on up to $1,500, whereas the Discover it® chrome for Students gives 2% cash back at restaurants and gas stations on up to $1,000. All other benefits and fees are the same.
The choice between the two cards comes down to where you’re spending your money. The Discover it® for Students card will give you cash back on rotating categories each quarter. If you are likely to spend money at varying establishments throughout the year and will maximize your rewards, this card is a better option. On the other hand, if you consistently spend money on eating out and paying for gas throughout the year, the Discover it® chrome for Students may be a better bet, even though the cash-back percentage and spending limit is lower.
Best Student Credit Card to Save for College
While researching student cards, I came across the Upromise World MasterCard®, which uses points to help parents save for their children’s college education. The points can be directed into savings accounts or investment vehicles.
The Upromise World MasterCard® combines elements of money management, building credit together, and long-term savings in one package.
How It Works
The Upromise World MasterCard® lets you rack up generous cash-back rewards on all sorts of everyday purchases, including dining, gas, and movie tickets. With no listed rewards caps, this is one of the better rewards programs you’ll find with any credit card, let alone a student credit card. Rewards rates range from 1% to 5%, depending on your purchase.
Your rewards get deposited into your Upromise account. From there, you can direct them to a Upromise savings account or a 529 college savings plan for college-related expenses. My colleague, Saundra, and her husband have earned almost $1,000 cash back in less than a year by making the Upromise World MasterCard® their primary credit card.
Spend to Accrue Cash Rewards
Get in the habit of using the card for all of your everyday purchases and paying off the balance. The rewards on this card are almost unbelievable for a student credit card, but you’ll have to plan in advance to maximize the rewards. Purchases from certain retailers yield more points than others.
For instance, Upromise partners with more than 800 online retailers like Best Buy and Macy’s. Rotating offers even let you can even save on certain Amazon purchases. Saundra always checks the Upromise website before making any online purchases to see whether the retailer is a Upromise partner. The site shows her every partner retailer, their rewards rate, and any coupons or deals they’re running to get maximum rewards. If the retailer is listed, she simply clicks through and makes her purchase like usual.
Just purchasing through the Upromise website often yields 5% or more cash back. Using the Upromise World MasterCard® through the website adds an additional 5% on top of that. Saundra recently booked a couple of nights at a hotel through a Upromise partner, Orbitz, over the holidays. Orbitz offered 6% cash back through Upromise.com, and Saundra added 5% on top of that by using the Upromise World MasterCard®. That yielded more than $20 cash back on a $200 expense that she would have had anyway.
Below are some of the rewards rates for retailers that are partnered with the Upromise World MasterCard®:
Upromise also partners with over 10,000 restaurants. Not all restaurants you visit will earn monster rewards, but Upromise has a nifty tool to find restaurant partners near you.
Here’s a quick search I did for restaurants in Chicago for the Upromise World MasterCard®:
Save Cash Rewards and Grow Your Money
Once you get the hang of maxing out your rewards and spending strategically, you’re well on your way to saving more for your child’s education. The next important decision you need to make is how you want to direct your cash back for college savings.
The money you earn from your everyday spending with Upromise partners goes directly into your Upromise account. From there, you can choose to invest your earnings in a high-yield savings account or tax-deferred 529 plan. I am not a financial advisor, so I won’t recommend one course of action over another, but those two options do exist. Saundra and her husband chose the high-yield savings option, offered through Sallie Mae. They maximize their savings even more because Sallie Mae offers a 10% annual match on their Upromise savings.
Use Cash Rewards for Higher Education Expenses
As the money grows in your account and your child chooses a school, the time will come to use the cash rewards you’ve accumulated for college expenses. There are rules that govern how the money can be used from 529 plans, so consult with a financial professional. Generally, the money can be used for most college-related expenses.
There are additional options where the money can be used to pay down student debt, and it’s also possible to simply request a check that can be used for college or other expenses.
Get Friends and Family to Rack Up Points
Let’s face it: College is just plain expensive these days. One of the coolest features of this card is that you can get it for friends and family so they can also rack up rewards for your child’s education. This is perfect for grandparents or a godparent who wants to help out with school expenses. Their rewards can be directed into your child’s education account. Talk about a creative way to help out!
All around, this is the best credit card to help families save for higher education. You’ll have to do a bit more work to max out your rewards, but you can’t go wrong with the super-high rewards rates and tons of great partners. The ability to get friends and family in on the savings plan is a huge bonus.
Another option in this category that doesn’t have as many options to earn huge points is the Fidelity Investment Rewards card. Fidelity investment services are widely used, so I wanted to include this option.
The Rest of the Best Credit Cards for College Students
While I don’t recommend getting any of the cards I mention here over the Discover it® for Students, it’s only fair to present additional options. I’ll also explain why these cards are not the best.
Citi ThankYou® Preferred Card for College Students
Citi recently cancelled Citi® Dividend Platinum Select® Visa® Card for College Students and the Citi Forward® Card for College Students, replacing those cards with the ThankYou® Preferred Card for College Students.
Why It’s Not the Best
- Paying late your first time will cost you a fee and raise your APR
- No credit-score reporting
- Foreign transaction fee
Journey Student Rewards from Capital One®
Why It’s Not the Best
- Paying late your first time will cost you a fee
- No credit-score reporting
- Only 1% cash back, but there is a 25% monthly bonus for on-time payments
Research the Best Credit Cards for Students
Listed below, you’ll find a directory of the most popular student credit cards on the market. I used this directory as a starting point for my research and analysis.
The student credit cards directory is a custom directory that highlights the most important features for student cards and displays important information about each card. The directory is maintained and updated on a weekly basis to ensure it is always current.
Student Credit Cards Directory
The student credit card directory lists many student credit cards and the key information for each card. In order to value each of these cards, certain features were weighted based on the overall importance to the prospective cardholder.
Sort, filter, or search for what matters most to find the best student credit card for you.
The most most important elements of a student credit card are rewards, error forgiveness, and support for financial learning. There are other factors that contribute to the rating for each card. This rating is based on what I deemed the most important factors for deciding between the best student credit cards.
We used the features and corresponding data from the directory above. To better describe the data and overall rating, an explanation of each component is included below.
Rewards Rate refers to the actual rate at which you can earn rewards using the student card. The very best student credit cards offer up to 5% on select categories. The “base” rate is often 1%, but some student cards do not offer rewards at all. Some of the best cards offer rotating categories that enable you to earn 5% rewards points on a variety of common purchases each quarter. Other top cards will give you high percentages in a variety of categories with no caps on rewards.
An Intro APR of 0% is another important factor to consider when rating student credit cards because it gives students time to pay off an initial balance. However, introductory APRs should be used wisely and only out of necessity since it’s not a good idea to accumulate a large balance and hope to pay it off later.
The top student credit cards will offer 0% intro APR periods between six months and 12 months. The Upromise World MasterCard® has the highest 0% intro APR period of the best student credit cards at 12 months.
Think of error forgiveness as training wheels for your credit card. Error Forgiveness encompasses certain features some credit card companies provide to give students a break if they pay late. This is very useful when you’re learning the ins and outs of credit cards. Late payments can ding your credit report, increase your APR, and cost you a bunch of cash in fees — up to $40 for each late payment.
Error forgiveness provisions aim to cut the student a break. Some companies don’t charge a late fee on the first late payment, while other companies don’t let the late payment affect the APR. It’s a feature most parents would appreciate.
Financial Learning Support
Financial learning support refers to supplemental materials or software that help a student learn about important financial concepts. For instance, the best student cards have charts and graphs so you can track, visualize, and learn from your spending data. You can see the types of items you buy most, where you’re a high spender, and how much you spend on average each month. This is a critical area where the top student credit cards add a ton of value.
Since one of the main reasons to use a student credit card is to start building your credit history, several of the good student cards provide you with your FICO credit score or other ways you can track your credit history.
Student Credit Cards 101
For parents and students, the choice to get a credit card is not always clear. The credit card industry gets a lot of negative press for predatory practices and charging very high interest rates. It’s easy to get in trouble; as Kristen Kuchar highlighted in her recent post on students’ common money mistakes, the average student leaves school with $3,000 in credit card debt.
My take is that issue speaks more to the lack of financial education for young adults, because credit history and responsible financial management skills are a necessity. Responsible use of credit cards present a huge opportunity for young adults to learn important concepts in personal finance they can use for the rest of their lives.
More than any other financial product, a credit card can teach a student about three important personal finance concepts:
- Cash flow
- Debt management
- Importance of credit history
Student credit cards are an excellent way for students to begin establishing credit. The best student credit cards are designed specifically with students in mind, while general credit cards are targeted more to working adults with higher incomes and spending habits. Student cards generally come with relatively low lines of credit and often require a co-signer, but offer innovative services to help students learn about personal finance.
Similar to general rewards credit cards, student cards also provide rewards for everyday purchases, including things like gas and groceries. These rewards can be redeemed for cash back, gift cards, music, electronics, and other types of merchandise. In addition, these credit cards can include benefits like travel insurance, roadside assistance, fraud protection, and emergency support.
Cash vs. Credit
People often think credit cards are equivalent to money, but that is definitely not the case. Money is all the cash, coins, banknotes, and balances you actually have on deposit at a bank. When you look online and see a number in your bank account, that is the amount of money you actually own that you can withdraw, no strings attached. If you buy lunch at a restaurant with money using your debit card, the cost is immediately taken out of your bank account and given to the restaurant.
A credit card actually provides a short-term loan. A less-pleasant word for a loan is debt. When you purchase lunch at a restaurant with a credit card, the credit card company pays the restaurant right away on your behalf, then gives you roughly a month to pay them back. You are legally bound to pay back that loan.
You must meet certain qualifications to get a credit card. Under the Credit Card Act of 2009, students ages 18-21 can qualify for a credit card if one of two things happen:
- A parent, guardian, spouse, or another adult is willing to co-sign
- You submit proof of income and financial history proving a full-time income (or even a part-time income that’s sufficient enough to pay the balance each month).
Credit cards charge a ridiculous amount interest if you don’t pay your bill. However, if a credit card is used properly, it can be an interest-free loan. In fact, through rewards accumulation, you can actually be “paid” to use this loan.
Lesson: Use your credit card the same way you would use money in your bank account.
Student Credit Cards Teach Financial Concepts
Financial Concept #1: Using a credit card to manage cash flow
Being able to match up your income and expenses so there are no shortfalls is called managing cash flow. Imagine your bank account as a bath tub. Think about the dollars you earn flowing into your bath tub through the spout, and the dollars you spend flowing down the drain and out the tub. In order to keep enough water in the tub, you need more water flowing into the tub than draining out.
Now imagine you have $0 in your tub and you need to buy a $5 sandwich today for lunch, but you won’t get your paycheck until Friday. A credit card can help you manage this imbalance in cash flow by paying for your sandwich today, and letting you use money to pay the credit card company 30 days from now — when you have money in your tub.
Financial Concept #2: A credit card is debt
Borrowing money can be good and bad. Student loans help pay for school when you don’t have the money to pay now, which is a good thing. You then pay those loans off over time when you have a job and steady income. While credit cards can be a great way to make purchases easily and manage short-term cash flow, they’re also loans, which are a form of debt.
Too much debt isn’t good because it will cost you more and more to pay the money back in the future, and you are legally obligated to pay off your loans. If you owe $1,000 on your credit card statement and choose not to pay off the balance, you will start to accumulate interest on that $1,000.
There is currently no maximum rate a credit card issuer can charge, but it is common to see rates of more than 20%. That means an extra $200 is added to your balance every year you don’t pay off the card. This cycle becomes harder and harder to stop as it compounds. Using a credit card responsibly is key.
Financial Concept #3: Credit cards help students build credit history
Financial institutions keep track of all your credit accounts, personal loans, auto loans, and home-loan transactions over the course of your life. They want to know how much you owe and the likelihood that you will pay back your loans. The compilation of this information is called your credit history. From this history, financial institutions create a credit score for you, and this score helps determine whether they will offer you a loan, such as a home loan or auto loan, and at what interest rate.
Having a good credit history is important. Not having any credit history is a negative because the lender will have no idea if you can responsibly make payments on the loan. Even if you don’t think you will be buying a home or a car for a very long time, it’s still a good idea to start building your credit history as early as possible.
If you need credit history to get a loan, how do you get a loan to start your credit history? This is the conundrum that plagues many students. A credit card is one of the best ways to start because they are relatively easy to obtain, can help you show responsibility managing cash flow and making payments on time if you use the card regularly.
How Students Get Into Credit Card Trouble
Students and other young adults get into trouble with credit cards in many ways. Understanding how the most frequent credit card blunders occur is the key to avoiding them.
Mistake #1: Overspending
This is probably the biggest blunder young adults make with credit cards. Buying something just because you can is never a good idea. Even though a credit card is different than cash, thinking of them as the same is helpful. In other words, don’t buy something on a credit card that you can’t pay for with cash either immediately or before your credit card’s grace period is over.
Mistake #2: Spending just to earn more rewards
This is really just a special kind of overspending. Many credit cards let you earn rewards points that can be redeemed for merchandise, cash back, or travel. It’s tempting to maximize this feature, but the reality is if you can’t afford the purchases, no amount of rewards will help you pay back the credit card company.
Mistake #3: Making only minimum payments
The only payment a credit card company requires you to make each month is what’s called a minimum payment, and it’s usually so small that you would never end up paying off your balance if that’s all you paid.
True, making the minimum payment on time will keep your account open. However, you will incur hefty interest charges on your remaining balance. In all likelihood, the added interest will be more than your minimum required payment, so the balance that you owe will continue to rise and rise until you can’t pay it off. To avoid interest charges, pay your balance in full every month.
Mistake #4: Not paying your bill on time
If you pay your bill late, in some cases even minutes late, you will probably be charged a late fee that can be as much as $40. Late payments can also start the interest clock on your unpaid balance, costing you more money. But remember, the main reason for student cards is to build a credit history.
If you make late payments, you’re hurting your credit score, and you’re also missing out on the opportunity to build your credit, which is a big swing in the wrong direction.
Mistake #5: Using convenience checks or other cash advance features
When you use your credit card at an ATM for a purchase at a store and receive cash back, or when you use convenience checks, you are triggering the cash advance feature of your card. Interest rates for cash advances are high, often around 25%, and usually start accumulating immediately. Many people don’t know this and are surprised to see large fees in their statements.
Convenience checks are often included in mailings with your statement. You can use these checks to write a check drawn on your credit card account. This makes certain purchases very convenient. The downside is that these checks are often plagued by the same high interest rates and also a 3% to 4% fee on the amount borrowed. All these fees add up and cost you money.
Using a Credit Card the Right Way
Starting small and taking it slow are key to getting the most out of the best student credit cards. It’s like learning anything new. Take your time and make sure you understand your rights and obligations.
Start small with one card and a low limit
The number one mistake people make with credit cards is overspending. To avoid this, students new to credit cards should open only one card and ask for the lowest limit within reason.
Remember, the idea is to build your credit history and learn about how to properly use credit cards in the future, when you’ll have access to higher limits and better benefits. I have seen credit card limits as low as $300, although most banks set the limit at $500. Once you are comfortable, you can request a higher limit, but you will most likely need to talk directly to the credit card company.
Make small everyday purchases, not extra purchases to get rewards
If your credit card offers rewards, don’t change your spending habits just because you have a credit card. Get used to using the card for your everyday purchases and see how you can earn points on them, not the other way around.
Understand your spending by analyzing the statement
After a month of putting your everyday purchases on your new student credit card, you’ll be able to view how you spend money and understand your cash flow much better by analyzing your statement. You’ll gain insights into how you spend money, find where you can cut spending, and discover where you can earn more rewards.
You’ll also understand key concepts, like the difference between your current balance, minimum payment, and last month’s balance. Last month’s balance is what you need to pay every month in full by the due date to avoid interest charges.
See the graphic below:
Pay off your balance each month
When we say “pay off your balance,” it means you need to pay the full amount you charged on your balance in the last statement by the due date. Paying this amount by the due date is what helps you avoid the interest spiral of death.
By following all these steps, you will be able to use your student credit card to effectively manage cash flow, earn points for your everyday spending, and build a solid credit history for the future. The best part is, if you avoid all of the mistakes above, you can do all of this for free.
Student Credit Card Glossary
If you’re new to credit cards, it can take some time to understand the terms, conditions, rates, and fees associated with card ownership. Listed below are some of the common terms used by credit card companies that can help new cardholders better understand credit and make more informed decisions.
Annual Fee: The annual fee is a charge for using the credit card that your company applies every year. Not all credit cards have an annual fee and, fortunately, none of the top student credit cards charge an annual fee.
Annual Percentage Rate: The Annual Percentage Rate (commonly referred to as the APR) is the rate at which interest will accumulate if the credit card balance is not paid off each month. The APR is usually determined by the credit of the applicant and the current Prime Rate. The APR on student cards generally ranges from 10.99% to 23.99%. The most important thing to know is that a low APR is better than a high APR.
Introductory APR: Some credit cards will offer an introductory APR that is lower than the standard APR. In many cases, credit cards will offer a 0% introductory rate for a specified period at the beginning of card ownership. For example, two of the top student credit cards have a 0% introductory rate for the first six months. This means that interest will not accumulate on any credit balances during that time. After the introductory period is up, the standard APR will kick in.
Cash Advance Fee: The cash advance fee is a charge associated with getting cash from the credit card or taking out a loan on the line of credit. The cash advance fee for the top student credit cards is $10 or 5% per transaction, whichever is greater.
Cash Advance Rate: When a credit card is used to make normal purchases like gas or groceries, the standard APR will apply. However, when you request a cash advance, a different interest rate will be applied. The cash advance APR on many credit cards for students is roughly 25%. Cash advances are a nice convenience, but you should only use them when no other options are available.
Balance Transfer Fee: The balance transfer fee is a charge applied when you move your balance from one credit card to another. This fee is typically either a set dollar amount or a percentage of the amount transferred. The balance transfer fee on the best credit cards for students is $5 or 4% of the transaction amount, whichever is greater.
Balance Transfer APR: When you transfer a balance to a new credit card, the APR for that transaction is called the balance transfer APR. The balance transfer APR is often higher than the standard APR. With student cards, the balance transfer APR ranges from 10.99% to 23.99%. Some credit cards offer introductory balance transfer rates that work just like a standard introductory APR, but they will only be applied to the balance of the transfer.
Late Payment Fee: The late payment fee is the charge applied when a payment is not made before the deadline. These fees vary, but with student credit cards they can reach $35 to $40.
Default Penalty Rate: The default penalty rate is the interest rate applied to a portion of the credit balance (or in some cases the entire balance) when a credit card is in default. Some behaviors that can trigger the default penalty rate include missing a payment, having a payment returned for insufficient funds, or exceeding the established credit limit. The default penalty rate is typically the highest interest rate credit card issuers will apply. With student credit cards, the common default penalty rate hovers around 29%.
Overlimit Fee: The overlimit fee is the charge associated with exceeding the established line of credit. Not all credit cards will charge an overlimit fee and, fortunately, none of the top credit cards for students apply these fees.
Foreign Currency Transaction Fee: This is the fee charged when you use a credit card abroad. The foreign currency transaction fee for many cards can be as high as 3% per transaction. This may seem like a small amount, but for students in a study abroad program or heading out on a big trip, these fees can add up.